We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1021 results
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Decision Reference DRN-3718104
21 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3718104 The complaint Mr D complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr D took out a credit card whilst he was a student and working part time. Mr D feels he was pressured into taking out the credit. He feels the lendi... (2 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-5221508
10 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5221508 The complaint Mrs S complains that NewDay Ltd, trading as Aqua (“NewDay”) lent to her irresponsibly when it approved a credit card for her in September 2017 as well as the four subsequent credit limit increases. What happened NewDay approved the card for Mrs S in September 2... (4 pages)View decision -
Decision Reference DRN-3478139
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3478139 The complaint Ms W complains that NewDay Ltd lent to her irresponsibly. What happened In April 2020 Ms W opened a credit card account with NewDay. She had an account limit of £600 which was increased three times over the life of the account to date. A fourth increase was offere... (3 pages)View decision -
Decision Reference DRN-5757170
18 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5757170 The complaint Mrs L complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs L applied for a NewDay credit card in November 2015. Due to the passage of time, the application Mrs L compl... (3 pages)View decision -
Decision Reference DRN-3297572
30 Mar 2022 NewDay Ltd UpheldConsumer CreditDRN-3297572 The complaint Mrs A says NewDay Ltd lent to her irresponsibly. What happened Mrs A took out a 60-month instalment loan for £5,000 from NewDay on 10 December 2018. The monthly repayments were £132.41 and the total repayable was £7,994.74. I understand there is an outstanding bal... (3 pages)View decision -
Decision Reference DRN-5125429
5 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5125429 The complaint Mrs H, through a representative, says NewDay Ltd (trading as Marbles) irresponsibly lent to her. What happened Mrs H took out a credit card from NewDay in September 2021. She was given a £300 credit limit. This was increased three times until it reached £3,000 ... (3 pages)View decision -
Decision Reference DRN-4516734
5 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4516734 The complaint Mr W complains that NewDay Ltd trading as Aqua was irresponsible when it offered him credit and later increased his credit limit. Mr W bought his complaint via a representative but I will refer to him throughout for simplicity. What happened NewDay opened a credit... (3 pages)View decision -
Decision Reference DRN-4895290
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4895290 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card account and credit limit increases (CLIs) that he couldn’t afford. What happened In August 2021, Mr B applied for, and obtained, a NewDay credit card account. The cre... (3 pages)View decision
